Xingnong e-loan is an online loan, and Xingnong e-loan is a loan launched by rural credit cooperatives. It means that under the premise of establishing the borrower's credit file through the customer information collection system, data analysis and internet technology are used to classify, rate and pre-credit, and personal loans are issued to eligible borrowers, so that customers can handle the e-loan of Xingnong through mobile phones.
Xingnong e-loan is a inclusive finance product of Bank of Communications to serve rural revitalization, aiming at the borrower's characteristics, basic information, physical assets and other information that can reflect the operating conditions and repayment ability.
Is it true to promote e-loan? Can I borrow money?
Xing e loan is a corporate loan that can be loaned purely online. This is a fact, but there are conditions.
Access conditions:
1. Enterprises need to be general taxpayers and small-scale taxpayers, and individual industrial and commercial households can enter if they have ratings.
2. The borrower's registered place or business place must be in Guangdong; The registration time of an enterprise as a legal person should be more than 2 years (including 2 years).
At present, there is no unpaid tax, and the tax amount is not negative. If there is any unpaid tax, you can only apply after paying off the electricity tax bureau and updating it;
4. The tax credit rating is A, B and C (M and D are not allowed);
5. The average annual tax payment in the last two years is 20,000 yuan or more (including value-added tax and tax reduction and exemption);
6. If the annual sales income is more than 6,543,800+0,000, the balance of credit loans shall not exceed 2 million; If the annual sales income is less than 6.5438+0 million, the balance of credit loans shall not exceed 6.5438+0 million; (The annual sales amount is not less than 500,000 yuan)
7. The tax payment situation is normal and the billing rate of the last two years (VAT) does not exceed 30%;
8. Late payment fee: average taxpayer ≤4 times in the last 24 months, 12 months ≤3 times, and 6 months ≤2 times; (Small-scale taxpayers have not paid more than once in the past 12 months);
9. Tax declaration: if the tax payment record is more than 24 months, there is no record of zero taxable sales for three consecutive times or more or accumulated six times or more in the last 24 months (the record of zero taxable sales for small-scale taxpayers in the last 24 months is no more than three times).
10. The electronic tax bureau needs to upload the complete financial statements of the last two years and the statements of the latest quarter, and the owner's equity in the financial statements must be positive.
What kind of loan is Xingnong E loan?
Xingnong e-loan is a loan launched by rural credit cooperatives. It refers to rating, rating and pre-granting borrowers by using data analysis and Internet technology on the premise of establishing borrowers' credit files through customer information collection system, and issuing personal loans to eligible borrowers. Customers can use their mobile phones to handle their own loans.
1. Agricultural Bank of China was established in 195 1. Headquartered at 69 Jianguomen Inner Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. Agricultural Bank of China is an important part of China's financial system. It provides various products and services for corporate banks and retail banks, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance and other fields.
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Verb (abbreviation of verb) Conditions for handling debit cards of Agricultural Bank of China
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